OP Osuuskunta financials
OP Osuuskunta
Country: FI Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
7437003B5WFBOIEFY714 Financial statements
(EUR, as reported — unscaled; 98 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Other income | €8.0M | €44.0M |
| Operating expenses | €1.87B | €1.73B |
| Employee benefits expense | €1.12B | €1.08B |
| Operating profit (EBIT) | €2.27B | €2.49B |
| Profit before tax | €2.27B | €2.49B |
| Income tax expense | €462.0M | €499.0M |
| Profit for the year | €1.81B | €1.99B |
| — attributable to owners | €1.79B | €1.98B |
| — attributable to NCI | €13.0M | €12.0M |
| Total comprehensive income | €1.94B | €2.07B |
| Cash flow statement | ||
| Net cash from operating activities | €962.0M | €3.92B |
| Net cash from investing activities | -€104.0M | -€87.0M |
| Net cash from financing activities | -€3.15B | -€5.50B |
| Lease liability payments | €36.0M | €35.0M |
| Net change in cash | -€2.29B | -€1.66B |
| Balance sheet | ||
| Total assets | €164.84B | €161.17B |
| Intangible assets & goodwill | €990.0M | €1.02B |
| Cash & equivalents | €15.80B | €18.11B |
| Total equity | €19.73B | €18.11B |
| Non-controlling interests | €121.0M | €141.0M |
| Deferred tax liabilities | €1.12B | €1.03B |
| Derived metrics | ||
| Free cash flow | €844.0M | €3.83B |
| Return on equity | 9.2% | 11.0% |
| Cash conversion ratio | 0.53× | 1.97× |
| Capex coverage | 8.15× | 39.64× |
| Other reported items | ||
| Adjustments For Decrease Increase In Derivative Financial Assets | €191.0M | €433.0M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | -€109.0M | €26.0M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€1.38B | €45.0M |
| Adjustments For Decrease Increase In Other Assets | €351.0M | -€210.0M |
| Adjustments For Gains Losses On Fair Value Adjustment Investment Property | -€12.0M | €0 |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Trade and Other Receivables | -€34.0M | €115.0M |
| Adjustments For Increase Decrease In Deposits From Banks | €20.0M | €18.0M |
| Adjustments For Increase Decrease In Deposits From Customers | €3.44B | €3.00B |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | -€320.0M | -€596.0M |
| Adjustments For Increase Decrease In Employee Benefit Liabilities | -€5.0M | €0 |
| Adjustments For Undistributed Profits of Associates | €0 | €8.0M |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €1.10B | €673.0M |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €16.09B | €18.28B |
| Comprehensive Income Attributable To Noncontrolling Interests | €13.0M | €12.0M |
| Comprehensive Income Attributable To Owners of Parent | €1.93B | €2.06B |
| Current Tax Assets | €62.0M | €42.0M |
| Current Tax Expense Income and Adjustments For Current Tax of Prior Periods | €462.0M | €499.0M |
| Current Tax Liabilities | €79.0M | €55.0M |
| Debt Securities | €31.32B | €33.20B |
| Deferred Tax Assets | €50.0M | €77.0M |
| Deposits From Banks | €111.0M | €91.0M |
| Deposits From Customers | €83.85B | €80.45B |
| Depreciation Amortisation and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €152.0M | €146.0M |
| Derivative Financial Assets | €1.87B | €2.50B |
| Derivative Financial Liabilities | €2.00B | €2.32B |
| Dividends Received Classified As Operating Activities | €75.0M | €64.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €101.0M | -€11.0M |
| Equity and Liabilities | €164.84B | €161.17B |
| Fee and Commission Expense | €140.0M | €128.0M |
| Fee and Commission Income | €952.0M | €946.0M |
| Fee and Commission Income Expense | €812.0M | €818.0M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €3.0M | €3.0M |
| Impairment Loss Recognised In Profit Or Loss Trade Receivables | -€53.0M | €96.0M |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€109.0M | -€59.0M |
| Income Tax Relating To Cash Flow Hedges of Other Comprehensive Income | €9.0M | €18.0M |
| Income Tax Relating To Changes In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability of Other Comprehensive Income | €0 | -€1.0M |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | €16.0M | -€8.0M |
| Income Tax Relating To Remeasurements of Defined Benefit Plans of Other Comprehensive Income | €9.0M | €11.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €373.0M | €511.0M |
| Insurance Contracts Issued That Are Liabilities | €11.61B | €11.80B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€300.0M | -€730.0M |
| Insurance Revenue | €2.16B | €2.13B |
| Insurance Service Expenses From Insurance Contracts Issued | €1.81B | €1.88B |
| Insurance Service Result | €236.0M | €192.0M |
| Interest Expense | €2.25B | €3.42B |
| Interest Revenue Calculated Using Effective Interest Method | €4.62B | €6.11B |
| Interest Revenue Expense | €2.37B | €2.69B |
| Investment Contracts Liabilities | €10.39B | €9.14B |
| Investment Income | €797.0M | €1.15B |
| Investments For Risk of Policyholders | €15.60B | €14.17B |
| Liabilities | €145.11B | €143.06B |
| Loans and Advances To Banks | €1.03B | €808.0M |
| Loans and Advances To Customers | €100.17B | €98.63B |
| Other Adjustments For Noncash Items | €7.0M | €106.0M |
| Other Assets | €1.43B | €1.78B |
| Other Comprehensive Income | €133.0M | €81.0M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €45.0M | €90.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€1.0M | -€7.0M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €81.0M | -€39.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €43.0M | €56.0M |
| Other Expense By Nature | €1.15B | €1.04B |
| Other Reserves | €2.17B | €2.17B |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €14.0M | €12.0M |
| Proceeds From Issue of Bonds Notes and Debentures | €9.73B | €9.86B |
| Proceeds From Issue of Subordinated Liabilities | €807.0M | €1.0M |
| Property Plant and Equipment Including Rightofuse Assets | €406.0M | €392.0M |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €118.0M | €99.0M |
| Reinsurance Contracts Held That Are Assets | €64.0M | €102.0M |
| Repayments of Bonds Notes and Debentures | €11.90B | €15.09B |
| Repayments of Subordinated Liabilities | €1.46B | — |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€149.0M | -€249.0M |
| Retained Earnings | €14.22B | €12.57B |
| Subordinated Liabilities | €811.0M | €1.44B |
Methodology
Every line item above is a fact tagged in OP Osuuskunta's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.